New Hampshire Long-Term Disability Denials Lawyer

New Hampshire Disability Insurance Claim Denied? What Happens Next Matters More Than You Think.

A disability insurance denial in New Hampshire does not pause while you figure out your next move. Deadlines start running right away, the insurer already has people assigned to your file, and most people are not prepared for how much the first few weeks can affect the outcome of their case. Eric Buchanan & Associates represents people with disability insurance claims nationwide, including people in New Hampshire. Our practice covers ERISA Claims, long-term disability insurance claims, private disability insurance, life insurance, and health insurance disputes across the country. We know how these denials are constructed and what an effective challenge requires.

Eric Buchanan & Associates Represents People With Disability Insurance Claims Nationwide

Eric Buchanan & Associates has built its practice over decades of focused work in ERISA and insurance benefit law. Our attorneys are recognized in this field nationally and regularly present at conferences where they teach other lawyers about disability insurance and ERISA claims. People in New Hampshire who work with our firm get attorneys who have spent their careers on exactly these kinds of cases and who understand nearly every approach insurers take when denying or terminating benefits.

Meet Attorney Eric L. Buchanan

Eric BuchananEric L. Buchanan is the President and Partner of Eric Buchanan & Associates, a recognized national authority specializing exclusively in complex ERISA and disability insurance law. Serving disabled individuals throughout New Hampshire, Eric leverages a unique background as a decorated U.S. Navy officer and naval aviator, alongside his academic success as a Magna Cum Laude graduate of Washington and Lee University School of Law. Demonstrating his exceptional authoritativeness, he holds the highest peer ratings, teaches other attorneys nationwide, and has achieved landmark legal decisions that improve disability protections. New Hampshire clients benefit from the firm’s robust national representation capabilities and a contingency fee structure, ensuring that individuals across the Granite State receive specialized, results-driven legal counsel focused on strategically developing the critical administrative record for maximum success.

We Help People in New Hampshire Navigate Disability Insurance Claims

The time right after a denial is far more consequential than most people realize. Under ERISA, which covers most employer-sponsored disability plans, the administrative appeal is your last real opportunity to get evidence into the record before a court reviews your case. Judges are generally confined to that record, which means what goes in before the deadline determines what they can consider later. Our attorneys help people across the country, including in New Hampshire, build that record correctly from the start, whether the claim involves a group long-term disability plan, a private individual policy, a life insurance denial, or a health insurance claim.

Why People in New Hampshire Contact Eric Buchanan & Associates

When an insurance company denies a disability claim, it is not usually an error. These are deliberate decisions made by professionals whose job is to protect the company’s financial interests. You need representation that understands how those decisions are made and what it takes to challenge them effectively.

Our firm’s work centers on ERISA benefit claims, long-term disability insurance, private disability insurance, life insurance denials, health insurance claims, and long-term care benefits. That concentrated focus means we are not generalists learning your case type as we go. We know how major carriers evaluate claims, where they look for reasons to deny, and what separates a strong appeal from one that falls short.

Eric Buchanan & Associates is based in Tennessee and represents people throughout the United States. Attorney Kaci Garrabrant is admitted to the U.S. Court of Appeals for the First Circuit, which hears appeals from federal district courts in New Hampshire. While Kaci Garrabrant is not admitted to the New Hampshire bar, she and our team are available to help people in New Hampshire with their disability insurance claims. Where needed, the firm works with local counsel or follows applicable local rules to ensure our representation follows applicable professional rules. Most ERISA matters are handled in federal court, so location is rarely an obstacle.

In most cases we accept, there is no fee unless we win. If we do not recover benefits for you, you typically owe us nothing in attorney fees.

Experience Handling Disability Insurance Appeals Against Major Carriers

The insurers denying claims in New Hampshire are large, well-resourced operations. Unum, Lincoln Financial, The Hartford, Cigna, Sun Life, MetLife, and Prudential all maintain experienced internal claims teams focused on minimizing what gets paid out. We have litigated against these companies and understand how they build denial files, what policy language they lean on, and what a well-prepared appeal or federal court case actually looks like.

If your insurer is not on that list, that does not change anything. We handle disability and insurance benefit claims against any carrier.

See Why Clients Choose Eric Buchanan & Associates

Talk With Eric Buchanan & Associates About Your New Hampshire Disability Insurance Claim

If your disability insurance claim has been denied, delayed, or terminated in New Hampshire, do not put off getting answers. The deadlines are strict and the early choices matter. Our attorneys will review your situation, explain your options, and give you a straight answer about where things stand.

If an insurance company, your plan, or someone else has denied your claim, Contact our disability attorneys today to see if you qualify for a free consultation.

Call (877) 634-2506.

Frequently Asked Questions About Disability Insurance Claims in New Hampshire

We recommend you reach out to an attorney before you file your appeal. Under ERISA, the administrative appeal is the last stage at which new evidence can enter your record. After a final denial, courts are generally limited to what is already in that record. Getting the right evidence in before the deadline is critical to what comes next.

If your disability coverage came through an employer-sponsored benefit plan, there is a strong chance ERISA applies. ERISA is a federal law with procedural rules and remedies that differ significantly from New Hampshire state law. An attorney can review your plan documents and tell you which framework governs your claim.

ERISA plans typically allow 180 days from a denial to file an administrative appeal, though your specific plan or the type of ERISA claim you have may set a shorter window. For private disability policies not subject to ERISA, your policy terms and New Hampshire contract law, or other applicable state law, control the timeline. These deadlines are firm. Find out how much time you have and act accordingly.

In most cases we accept, we work on a contingency fee basis. You typically owe no attorney fees unless we recover benefits on your behalf. We will be straightforward about the fee structure during your consultation.

Yes. Attorney Kaci Garrabrant is admitted to the U.S. Court of Appeals for the First Circuit, which hears appeals from federal district courts in New Hampshire. While Kaci Garrabrant is not admitted to the New Hampshire bar, she and our team are available to help people in New Hampshire with their disability insurance claims. Where needed, the firm works with local counsel or follows applicable local rules to ensure our representation follows applicable professional rules.

This page is provided for informational purposes only and does not constitute legal advice. Outcomes in disability insurance matters depend on the specific facts, policy documents, and applicable law.